I entered the mortgage industry the last couple years subprime loans were offered. I was vigilant against offering my applicants the 125% LTV loans, pay-option ARMS, and other loans that I didn't think would benefit them in the future. I never would have expected, though, the crisis we are facing now. I was then and am now still diligent to offer my customers the best service and opportunities available to them. The market will get back to normal, hopefully sooner than later. It is important to me to stay as informed and educated as possible to avoid being the competition that makes a living by simply giving away our service and products.